SFD - Credit Risk Management - Vice President

SMBC: A trusted partner for the long term

Here at SMBC Group, we want to help you find the next step in your career so read on to discover if this opportunity is the one for you. We like to recognise potential in our people, so we welcome your application even when your experience doesn’t perfectly align with the job description. Whilst we’ll always strive to be better, we’re proud of our inclusive culture, and encourage our applicants and colleagues to be their authentic, unique selves.

Who we are

United by a sense of purpose towards our customers – to be a trusted partner for the long-term – and our universal banking platform in EMEA, SMBC Group has an international growth agenda and award-winning products, meaning we provide exciting opportunities to work on a diverse range of projects and initiatives. We deliver a full suite of corporate finance products and solutions to our customers as well as investment banking and advisory services, and a range of innovative solutions in global capital markets. Read on to find out how you could enhance your skills and gain valuable experience, by joining us to support our clients transition to a sustainable future.

Role Summary

Is the next step in your career at SMBC Group EMEA? We’re looking for a Vice President for our Exposure Management Group to join our team.

The role of VP exists to manage a portfolio of Project Finance Loan transactions of a complex nature, dealing with waiver requests and variations, the monitoring of risk, application of associated credit grades and various other administrative tasks, such as KYC, documentation and covenant compliance.

The role requires very strong analytical skills and involves the review and analysis of information including, but not limited to, construction, technical and operational reports, customer financial statements, project finance financial models, due diligence and administration of the Loans in accordance with the terms of Financial / Legal documentation along with preparation of associated applications.

The role also requires good communication skills as there is significant interface 1) within the SMBC organisation (Credit, Syndications, Operations etc) 2) with the external market including liaison with advisers (Technical and Legal) 3) with Agency functions in other institutions and 4) with clients who have high service level expectations.

Business Area

Exposure Management Group ("EMG") is part of the Structured Finance Department and its principal function is the portfolio management of c500 Project and 200 indirect corporate counterparties with an exposure of c$23bn. This function has both internal control & support plus market facing aspects.

Position Description

Internal

• Support senior staff as part of the Exposure Management team in managing a portfolio of accounts, undertaking credit analysis work, processing waivers / variations and maintaining credit surveillance.
• Prepare credit applications and managing data input for GBR, EIC, PF Grading and other systems, and help to train and supervise more junior staff in that role.
• Liaise with all relevant departments within EMEA required for marketing and execution including CD,OAD, CPD, legal, other marketing departments (CBD1 &2, GTFD, SPD etc), OAD, Nikko CM (DCM and swaps), LCM, TD, Other branches including Brussels.
• As appropriate, financial modelling and analysis for transactions/counterparties and ad hoc projects.
• Understanding the Bank’s internal procedures and processes and applying them correctly and in compliance with all rules and regulations.

External

• Represent SMBC to the external market in bank, advisor & client meetings relating to the EMG portfolio
• As required, work with senior EMG staff to manage workouts & restructuring of any distressed loans in their portfolio.
• Gather market intelligence & proactively report to EMG management/Origination teams any potential refinancing or new transaction opportunities arising in their portfolio.
• Report any trends and developments in the portfolio (especially focussed on newer Digital and Energy Transition sectors) that may enhance SMBC’s future Origination and Risk Management activity in these sectors.

Competencies

Customer FocusDriving ChangeDriving ResultsEmbraces DiversityEnterprise LeadershipJudgement and Decision MakingRisk ManagementStrategic and VisionaryTrust and Integrity

What we offer

For all the expertise and experience you bring to help us make a difference, it’s only sustainable if we support you to build your career and be your best self so we offer competitive company benefits, centred around promoting positive well-bring and work-life balance. We also believe in fostering a diverse and inclusive work environment, where all team members perspectives and contributions are valued. Initiatives in place which promote a diverse and inclusive culture and healthy work life balance include hybrid working, Sport & Social Clubs and Diversity and Inclusion networks.

As an employee of SMBC you have access to a host of both useful and exciting benefit offerings. See below some of the benefits on offer to you:

• Hybrid and flexible working
• Competitive paid leave days
• Benefits to support your physical wellbeing, including private medical insurance and life and invalidity insurance
• Various policies to support your mental wellbeing, including a robust behavioural health network with counselling and coaching services
• Access a wide range of learning and development opportunities and career progression opportunities
• Ambitious remuneration package

So, if you like a challenge and want to continuously grow and develop in a role where you will be supported along the way by a dynamic and diverse team, apply today!!

We recognise our role as a bank to support social change and welcome all applications, including those from groups often under-represented in financial services. We value the uniqueness of professional and personal, backgrounds and perspectives as they play a vital role in continuing the sustainable growth of our organisation. We’ll ensure reasonable adjustments to our recruitment process are offered due to a disability or long-term condition whenever requested.

We are committed to transparent and equitable pay practices. Compensation is determined using objective criteria, including skills, experience, and role responsibilities, and applied consistently throughout our recruitment processes. We do not request candidates' pay history and are committed to preventing unjustified pay disparities.